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Long Term Care Insurance News – August/September 2023

Long Term Care Insurance News – August/September 2023

Message from Tobe: Rate increases are something to be aware of when considering the purchase of traditional LTCI. Unless an accelerated payment option is purchased ( a traditional LTCI policy that is single pay or a 10 pay), you would be vulnerable for a rate increase...
Long Term Care Insurance News – June/July 2023

Long Term Care Insurance News – June/July 2023

Message from Tobe: “What happens if my LTCI company goes insolvent?”   This question comes up more often than you might expect.  Most of us remember 2008, so we may find ourselves paused for an echo when we consider some of the more recent distressing financial news....
Long Term Care Insurance News – March/April 2023

Long Term Care Insurance News – March/April 2023

Message from Tobe: What does it mean to be a burden? I just finished a Zoom call with prospective clients who I will call Sally and Joe. Sally and Joe had taken care of Sally’s mother who had Alzheimer’s. They cared for her in their home for 10 long years. They were...
Long Term Care Insurance News – September/October 2022

Long Term Care Insurance News – September/October 2022

Message from Tobe: There are many “dread” diseases, but the ones that I’d like to highlight for this newsletter are those that are “cognitive” in nature.  When we use the term “cognitive”, we are being inclusive and not just referring to Alzheimer’s, but rather to all...